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Paper-only manifests
Passenger, vehicle and route details are often trapped in handwritten records that are difficult to search, reconcile or use during an incident.
Insurance infrastructure for intercity road travel
Every interstate journey.
Verified and protected.
DFKover turns the motor-park manifest into a digital trip record, attaches single-trip protection, and confirms cover by SMS — before departure.
DFKover OpsTrip registration
ORIGINAbuja
DESTINATIONLagos
Passenger manifest3 passengers
Amina O.0803 ••• •234
1AIssuedDavid M.0812 ••• •887
2BProcessingChika B.0705 ••• •441
3CIssued✓Trip record saved & cover requests tracked
D
DFKovernow
Trip confirmed. Abuja → Lagos. Your trip record is verified and your cover status is attached to this journey.
✓ Confirmation sentLive MVPPark Agent + Driver workflows
1First private park onboarded
~60Drivers accessible in first park
~2,000/moPassenger capacity at first park
30–60 secTarget manifest-to-cover workflow
THE GAP
The road already works.
The protection layer doesn’t.
DFKover is not trying to replace how Nigerians travel. We attach a dependable digital record and protection workflow to the departure process that already exists.
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Fragmented distribution
Insurers may have the product, but the moment of boarding is controlled by parks, operators, agents and drivers — the distribution network DFKover is built around.
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No trip-linked evidence
A policy is more useful when it is connected to the exact passenger, trip, driver and vehicle — with state, history and evidence visible when needed.
HOW IT WORKS
From manifest to cover
in under 60 secs.
One operational moment. Four connected actions. No passenger download, no new queue at the park.
01
Capture the trip
Agent or driver records route, vehicle, departure details and the passenger manifest.
Trip + identity02
Request cover
DFKover sends the required trip and passenger data into the underwriting workflow.
Policy issuance03
Confirm by SMS
The passenger receives a simple confirmation tied to the journey — without needing an app.
Passenger proof04
Retain the evidence
Trip, passenger and cover status remain connected for support, reconciliation and claims operations.
Evidence trailDFKOVER OPS
Software for the people who actually operate the journey.
Park agents, drivers and DFKover operations work from the same trip-linked system — so the digital record follows the real journey instead of sitting in another disconnected app.
✓
Park Agent PortalRegister trips, capture manifests, track issuance and manage incidents.
✓
Driver PortalSee verified passengers, trip history, benefits and road-side actions.
✓
Operations layerSearch records, reconcile failures and keep policy state visible.
app.dfkover.com / operations
UTAKO PARK
Operations overview
TRIPS TODAY12
PASSENGERS96
Currently en routeView all
Abuja → LagosABC Motors · KJA-221XY
8 coveredAbuja → BeninGreenline · ABC-741YZ
IssuingAbuja → IbadanIntercity · GWA-893NP
11 coveredIllustrative interface using DFKover’s current operating model.
ONE NETWORK, ALIGNED INCENTIVES
We don’t replace the ecosystem.
We connect it.
DFKover sits between the people who control boarding and the licensed institutions that can provide financial protection.
Proof before departure.
A clear trip record and cover confirmation without downloading an app or navigating an insurance process.
Digitise the journey you already run.
A searchable manifest, auditable trips and a new protection layer without rebuilding the operator’s entire booking system.
Distribution that rewards the work.
Commissions and benefits can reward verified enrolment and repeat operating behaviour.
Reach a market through verified trips.
Structured trip-level distribution, issuance status and evidence that can support reconciliation and claims operations.
TRACTION
The hard pieces are coming together.
DFKover has moved beyond the idea stage: the operating product exists, the first park wedge is onboarded, and the launch motion is being built around a repeatable corridor.
How we state traction: capacity and pilot-readiness are shown as such; they are not presented as live covered volume.
THE VISION
Build the trust layer for road travel.
The long-term asset is not a booking app. It is the connected record of passengers, trips, vehicles, drivers, parks, policies, incidents and claims — the infrastructure that makes protection work at scale.
DECEMBER 2028 TARGET30,000interstate traveller-trips protected daily
Nigeria first. Then other fragmented intercity transport markets where trip-level insurance distribution is still missing.
WHY THIS MATTERS
A manifest is not paperwork.
It is a record of a person moving.
Every record represents someone travelling toward a home, an obligation, an opportunity or a family. DFKover is designed so that the journey leaves behind trustworthy evidence and a clearer path to help.
Build with us →
PARTNER WITH DFKOVER
Put protection into the journey — not another app.
We’re speaking with transport operators, parks, licensed insurers, ecosystem partners and investors who want to build this category with us.